Terms & Conditions – Jindal Finances
At Jindal Finances, we are committed to offering reliable and transparent loan services. By applying for a loan through our company, the applicant agrees to the following terms and conditions:
Eligibility
The applicant must be an Indian citizen or legal resident.
Minimum age: 21 years; Maximum age: 65 years at loan maturity.
The applicant must meet the eligibility criteria specific to the loan product (e.g., income level, credit score, business vintage).
Loan Approval
All loan applications are subject to credit assessment, verification of documents, and lender approval.
Submission of an application does not guarantee approval or disbursal.
Loan amount and repayment tenure are based on eligibility, income, and repayment capacity.
The final sanction amount is at the discretion of the lending partner.
Interest Rates and Charges
Interest rates vary by loan type, applicant profile, and market conditions.
Processing fees, prepayment charges, and penalties (if any) will be disclosed upfront before disbursal.
Repayment Obligations
Borrowers must adhere to the EMI schedule agreed upon at the time of loan agreement.
Late payments may attract penalties and negatively impact the borrower's credit score.
. Use of Loan
Loans must be used strictly for the purpose stated in the application (e.g., business, home, personal use).
Misuse of funds may result in legal action.
Privacy & Data Usage
By applying, applicants consent to the use of their personal and financial information for credit evaluation and processing.
Information may be shared with authorized third parties including financial institutions, credit bureaus, or regulatory authorities.
Legal Compliance
All borrowers must comply with Indian financial regulations and provide genuine and verifiable information.
Amendments
Jindal Finances reserves the right to amend these terms and conditions at any time. Updated terms will be posted on our official website.
Documents Required to Apply for Loans – Jindal Finances
Below is the general list of documents required for various loan categories:
KYC Documents
PAN Card (mandatory)
Aadhaar Card or any other government-issued ID
Passport-size photograph
Address proof (Electricity Bill / Passport / Driving License / Voter ID)
2. Income Proof
For Salaried Individuals:
Last 3–6 months’ salary slips
Form 16 / Latest 2 years' ITR
Bank statements (last 6 months)
For Self-Employed Professionals / Business Owners:
ITR for last 2–3 years
Profit & Loss Statement / Balance Sheet (audited if applicable)
GST registration certificate (if applicable)
Bank statements (personal and business accounts – last 6–12 months)
Property Documents (For Secured Loans)
Title deed / sale agreement
Encumbrance certificate
Approved building plan (if applicable)
Latest property tax receipt
Profession-Specific Documents (If Applicable)
For Doctors:
Degree certificates (MBBS, BDS, etc.)
Medical Council registration certificate
For Farmers:
Land ownership proof (7/12 extract or RTC)
Crop plan or income estimation.
Need Help?
Feel free to contact us for any assistance or clarification:
Jindal Finances
Address: : E1/17 Vasant Vihar Delhi-Pincode:110057
Phone: 9997192692,9520211294
Email: info@jindalfinances.com
Website: https://www.jindalfinances.com/